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Despite being the furthest thing from an adventurer’s mind, financial strategy is crucial for any expat planning on returning to Australia, an industry expert has advised.

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HLB Mann Judd’s tax partner, Peter Bembrick, has outlined that living and working in another country, even for a short period of time, requires careful planning which should be done well in advance.

“This is particularly important in an environment where the government is looking at different ways of broadening the tax base,” he said. 

“For example, we’ve already seen plans to introduce capital gains tax on the family home for expats, which would have included removing their access to the much-loved ‘six-year absence rule’,” Mr Bembrick noted.

The finance expert believes there are a number of technicalities that could adversely affect Aussies who have worked abroad, which can be minimised through planning.

“One consideration for people is what to do with any pension savings they have from another country, such as the United Kingdom, and how to bring the funds back into Australia in order to roll them into the tax-advantaged superannuation system here,” he said.

“Another common situation is when people have changed tax residency and paid tax in another country, they may be able to claim a credit for the foreign tax paid upon their return but only if they have the proper records and structures in place,” he continued.

An advantage of being an Australian is the reduction of capital gains tax, according to Mr Bembrick. However, it also means all of one’s foreign salary and investment income will be taxed in Australia with a credit to any foreign tax paid on the income.

Other areas for expats to consider include:

Shares or managed funds – If someone becomes a non-resident, these types of investments are generally treated under the CGT rules as having been sold at their market value at the time that tax residency changed, triggering deemed capital gains or losses, HLB Mann Judd has outlined.

Investment properties – The CGT discount on the sale of investment properties is not available for any period after 8 May 2012, during which someone is a non-resident. For investment properties already owned at the time an individual left Australia to move overseas, there needs to be an apportionment of the CGT discount for the relevant periods. The same applies for periods between the date they return to Australia and a later property sale.

Withholding tax – Non-resident withholding tax is payable on unfranked dividends, interest and managed funds distribution, the firm has noted. However, any withholding tax deducted should be available to claim as a credit against income tax payable in the other country.

SMSFs – If members and trustees of an SMSF cease to be Australian residents, then the fund can become non-complying. An example of this would be a couple who moves overseas for several years and loses their Australian tax residency status.

HLB Mann Judd outlined that careful planning is required to anticipate and overcome the negative consequences that might otherwise arise.

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Despite being the furthest thing from an adventurer’s mind, financial strategy is crucial for any expat planning on returning to Australia, an industry expert has advised.

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Been away recently? Used up all your annual leave? Stuck in that work routine with no end in sight? While half of Australians are planning to ‘reward themselves’ with a holiday using their tax refund this year – the other half of us are stuck at home, writes Liz Russell.

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If you’re one of those Aussies unable to get away any time soon, here are five ways you can use your tax refund to bring a holiday into your home - without having to go anywhere.

1. It’s all about the fragrance.

You know when you smell a certain fragrance and your mind is instantly taken to a memory? Why wouldn’t you want to live in that moment for as long as you could? Bringing the fragrance of a holiday into your home is one of the easiest ways to replicate a vacation. The best part about it is that you get to choose any type of holiday you want. Whether you opt for the smell of rich spices, for sweet flowers or the beach, you can decide on the destination, without worrying about breaking the bank. Being one of the cheapest ways to feel like you’re constantly on vacation, you can’t lose with this option, as everyone loves a nice smelling home.

2. More plants!

We all know that plants and greenery liven up any home, but have you thought about how they could simulate a vacation? With only a few tools you can create the illusion of a holiday in your home or backyard that any jet-setter would envy. If you have a spacious garden, decorate it with pots of tulips as if you’re in the Netherlands, brighten yourhome with sunflowers to emulate the fields of Spain, or plant some palm trees to resemble your ideal Caribbean vacation. If you want to go further, create a small sanctuary as your own little in-home getaway. Bamboo sticks, a nice hammock and lots of tropical plants will make you feel like you’re in Bali every day of the week. With a bit of creativity, you can feel anywhere in the world, sitting in your own backyard.

3. Treat yourself to some new linen

Never underestimate the power of good bed sheets. You can be sure that any 5-star hotel or resort has nice, soft linen on the beds. The incredible sleep that you get in these sheets should not be restricted to being on vacation. Treating yourself to nice linen is one of the smartest investments you can make for your wellbeing. You’ll feel just as good as you do on vacation, sleep better, have softer hair and skin, and get more rest going to bed earlier because you can’t wait to enjoy the new sheets.

4. Bring the sites back home

If one of your favourite parts of any holiday is the cultural experience, bring the sites that you loved back home. Buying a print of the Mona Lisa, the Eiffel Tower or the ceiling of the Sistine Chapel will enrich the aesthetic of your own environment and remind you of the time you got to experience some of the greatest art in the world. Support local artists by buying some of their works or frame a postcard from a gift shop that you love. If art isn’t what you’re after, print off some of your favourite snaps from your trip or photos of places you intend to visit. Having such wonders hang on your wall will brighten your home and spark conversation. After all, who doesn’t love a not-so-humble holiday brag?

5. Tantalise your tastebuds with the flavours of travel

Exotic food doesn’t have to be enjoyed in only exotic locations. Pairing an authentic Asian curry with some Lebanese bread and pilaf rice can take you all around the world on one plate. Try to recreate a favourite dish from your holiday or search for new recipes from places that you want to go - and why not make it social? Assign your friends a different country from around the world and each cook a traditional recipe from that place. Enjoying various cuisines with loved ones can make you feel just as good as dining in a foreign destination together. You can enjoy sensations from around the world in the comfort of your own home.

Liz Russell is a senior tax manager at Etax.

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Been away recently? Used up all your annual leave? Stuck in that work routine with no end in sight? While half of Australians are planning to ‘reward themselves’ with a holiday using their tax refund this year – the other half of us are stuck at home, writes Liz Russell.

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Google search results are an unlikely source of intelligence pointing towards increased consumer confidence and more optimistic spending intentions.

Write comment (0 Comments) " ["fulltext"]=> string(1629) "

The Commonwealth Bank of Australia has analysed its customers’ behaviour from transaction data and considered it alongside the prevalence of household spending intentions found in Google Trends search data.

According to the bank, the spike recorded for google search activity on “tax refunds” in July 2019 was the largest recorded in the last five years.

CBA chief economist Michael Blythe noted the levelling out of recent household spending intentions readings offers encouraging, albeit tentative, signs that tax rebates are now being paid to households and it is boosting disposable income.

The result? This disposable income flows through to household spending intentions.

“HSI measures provide a glimmer of hope that the outlook for consumer spending is slowly improving,” he commented.

“The improvement is modest, but the switch from downward signals to something that is more flat-to-up offers some hope that the second half of 2019 will be better for the consumer than the first half of the year.”

According to the chief economist, “much will depend on the impact of the tax rebates that households are receiving”.

“Many of these payments are large and are flowing into CBA customer accounts right now,” Mr Blythe continued.  

He reported that the value of tax refunds in July was 49 per cent above “normal” levels.

“The turn in the housing market is also helping. The drag on consumer spending from a negative ‘wealth effect’ should be receding as dwelling prices stabilise or lift,” the economist said.

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Read more about how the customer spending behavior to this article." 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Google search results are an unlikely source of intelligence pointing towards increased consumer confidence and more optimistic spending intentions.

Write comment (0 Comments) " ["jcfields"]=> array(1) { [1]=> object(stdClass)#3485 (32) { ["id"]=> string(1) "1" ["title"]=> string(17) "Automatic tagging" ["name"]=> string(17) "automatic-tagging" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2018-08-29 05:26:30" ["created_user_id"]=> string(4) "2355" ["ordering"]=> string(1) "0" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#3420 (3) { ["data":protected]=> object(stdClass)#3310 (1) { ["options"]=> object(stdClass)#3424 (2) { ["options0"]=> object(stdClass)#3425 (2) { ["name"]=> string(3) "Yes" ["value"]=> string(1) "1" } ["options1"]=> object(stdClass)#3421 (2) { ["name"]=> string(2) "No" ["value"]=> string(1) "0" } } } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#3422 (3) { ["data":protected]=> object(stdClass)#3428 (6) { ["hint"]=> string(0) "" ["render_class"]=> string(7) "autotag" ["class"]=> string(9) "btn-group" ["showlabel"]=> string(1) "0" ["show_on"]=> string(1) "2" ["display"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(1) "1" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "1" ["label"]=> string(17) "Automatic tagging" ["description"]=> string(51) "Automatic tagging of article base on title keywords" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(17) "Celeste Fernandez" ["group_title"]=> string(4) "Tags" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(1) "1" } } ["link"]=> string(59) "/save-money/tax-saving/did-you-google-tax-refunds-this-july" ["image"]=> string(56) "images/article-826x550/person-using-laptop-Google-ne.jpg" ["image_alt"]=> string(29) "Person using Google on laptop" } [3]=> object(stdClass)#3324 (56) { ["id"]=> string(5) "13589" ["title"]=> string(67) "Retail reaches turning point: Why consumers will spend more in 2019" ["alias"]=> string(66) "retail-reaches-turning-point-why-consumers-will-spend-more-in-2019" ["introtext"]=> string(437) "

After years of sluggish growth, the retail sector has reached a turning point due to the combined benefits of interest rate cuts, fiscal stimulus and a stabilisation of the housing market, according to economists.

Write comment (0 Comments) " ["fulltext"]=> string(1677) "

In its economic update, the Queensland Investment Corporation (QIC) highlighted previously tough retail conditions that were compounded by falling house prices and a mining slowdown. 

It cited optimism in the federal government’s personal income tax cuts of up to $1,080, which it estimated will boost household disposable income by $7.7 billion, or around 0.6 per cent.

Given the tax offset is directed towards low and middle-income earners and is a lump sum, QIC estimated that around two-thirds of the money will be spent rather than saved. 

This will boost consumer spending by around 0.4 percentage points in 2019-20.

Based on information from the 2009 tax cuts, QIC considered that around 70 per cent of the additional spending by consumers would be on retail goods, implying a boost to retail sales of around 1.1 percentage points.

Combining the tax cuts with interest rate cuts and house price stabilisation, the QIC is expecting annual average retail sales growth to pick up to around 3.8 per cent in 2020.

Across the states, Victoria is predicted to outperform the other states in retail over the next decade due to stronger population growth, but Queensland and Western Australia are still expected to benefit in the retail sector due to improved mining conditions.

For NSW, the retail sector is predicted to see slow improvement as the housing market stabilises, but this is predicted to be on a smaller scale than seen in previous years. 

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After years of sluggish growth, the retail sector has reached a turning point due to the combined benefits of interest rate cuts, fiscal stimulus and a stabilisation of the housing market, according to economists.

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Foreign income streams are under the Australian Taxation Office’s scrutiny this tax time, with individuals well-advised to correctly declare their income sources.

Write comment (0 Comments) " ["fulltext"]=> string(2150) "

 

Assistant commissioner Karen Foat said that hiding assets and income offshore is now “pointless” considering that the Tax Office has information regarding more than 1.6 million offshore accounts that hold more than $100 billion collectively.

 

“If you’re an Australian resident for tax purposes, you are taxed on your worldwide income, so you must declare all of your foreign income no matter how small the amount may be,” she flagged.

“This may include income from offshore investments, employment, pensions, business and consulting, or capital gains on overseas assets,” the assistant commissioner outlined.

 

She warned that any Australians who “deliberately move cash overseas in an attempt to hide it should be concerned”.

The assistant commissioner considered tax havens as becoming a less effective model of hiding interests as international agreements improve transparency.

 

“You can no longer hide money behind borders,” she advised.

 

Foreign income includes most pensions and annuities, interest, dividends, royalties, rent, capital gains and personal services income.

 

Nest Egg has previously considered whether Australians or small businesses are claiming all they are entitled to this tax time and the mistakes that should be avoided when filing a tax return. 

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Foreign income streams are under the Australian Taxation Office’s scrutiny this tax time, with individuals well-advised to correctly declare their income sources.

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The black economy is costing Australian society as much as $50 billion dollars, according to the ATO.

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The figure comes from the Black Economy Taskforce, which has outlined that the estimated cost of the black economy is costing the community around 3 percent of the nation’s gross domestic product (GDP).

With the definition of the black economy encompassing activities such as paying for work cash-in-hand, not reporting or under-reporting income, phoenixing, sham contracting, as well as wage underpayment, illegal drugs and tobacco, the ATO has reminded the public that “this is money that the community is missing out on for vital public services like schools, welfare, roads, healthcare and infrastructure”.

According to assistant commissioner Peter Holt, Australia’s tax system “funds the services that benefit all of us”.

“The Australian way of life depends on everyone paying the right amount of tax,” he continued.

He went on to note that the ATO is seeing “an upwards trend in the number of referrals to our tip-off line from people who know or suspect phoenix, tax evasion or black economy behaviour, which suggests that the community, as well as honest businesses, have had enough of those who are cheating the system and getting an unfair advantage”.

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The black economy is costing Australian society as much as $50 billion dollars, according to the ATO.

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